The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,149
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$700/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,641
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,301
−HK$671/mo
Today · 4.125%
HK$25,972
baseline
▲ 0.50% · 4.625%
HK$27,341
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,944/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$840/mo
Today · 4.125%
HK$28,246
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,718/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,492/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,569
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$804/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,009
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,973
−HK$980/mo
Today · 4.125%
HK$32,953
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,906/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,497
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,422
−HK$939/mo
Today · 4.125%
HK$36,361
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,722/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,868
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,108
−HK$1,260/mo
Today · 4.125%
HK$42,368
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,736/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,543
−HK$1,206/mo
Today · 4.125%
HK$46,749
baseline
▲ 0.50% · 4.625%
HK$49,214
+HK$2,465/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,498/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,340 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).